First Federal Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Yield on securities: 0.80 percentage points lower than in Q1 2026, at 2.57%. Within Wyoming, First Federal Bank & Trust is 18th of 24 on net interest margin, 3.54% as of Q2 2026, below the middle of the field. First Federal Bank & Trust reported 3.54% on net interest margin for Q2 2026, 0.41 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.88% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.43% | 2.37% | 3.03% | 5.73% | 2.73% |
| Q4 2023 | 5.13% | 3.07% | 2.30% | 5.44% | 2.46% |
| Q1 2024 | 5.08% | 3.46% | 1.88% | 5.40% | 2.17% |
| Q2 2024 | 5.35% | 3.13% | 2.32% | 5.62% | 3.12% |
| Q3 2024 | 5.41% | 3.10% | 2.41% | 5.65% | 2.93% |
| Q4 2024 | 4.84% | 2.80% | 2.16% | 5.10% | 2.79% |
| Q1 2025 | 5.23% | 2.45% | 2.88% | 5.61% | 2.10% |
| Q2 2025 | 5.51% | 2.46% | 3.13% | 5.74% | 3.62% |
| Q3 2025 | 5.60% | 2.39% | 3.37% | 5.88% | 2.95% |
| Q4 2025 | 5.42% | 2.33% | 3.28% | 5.63% | 3.36% |
| Q1 2026 | 5.38% | 2.18% | 3.38% | 5.61% | 3.37% |
| Q2 2026 | 5.46% | 2.06% | 3.54% | 5.88% | 2.57% |
First Federal Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank & Trust, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29537) · FFIEC NIC profile (RSSD 387671)